PenFed/JFCU

PenFed/JFCU

I'm starting my research through searches but want to ask here anyway.

BK friendly? I'm 5.5 years out from a BK. My FICO scores average 675 and zero baddies in this time. 4 credit cards all wit zero utl. Will PenFed take me and issue me a card? I ask the same about Justice. Why do you like who?

Re: PenFed/JFCU

With the 5.6 year old BK, I would go with JFCU. If you get your score up another 25 pts, I would then apply for PenFed. JFCU will ask for financial documentation and set your exposure limit to 30% of your income (but will go higher). PenFed has yet to ask me for financial info... and gave me a lower credit limit than JFCU.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.